Refinancing lenders in Richland County
1,571 refinancing mortgages were made in Richland County, South Carolina, in 2025, by 229 lenders. The median rate their borrowers got was 5.990% on a median loan of $255,000. Of 2,314 decisions, 520 were denials — 22.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FREEDOM MORTGAGE CORPORATION | 185 | 6.000% | $285,000 | 4.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 182 | 5.625% | $295,000 | 14.6% |
| Rocket Mortgage, LLC | 106 | 5.750% | $235,000 | 20.5% |
| Palmetto Citizens Federal Credit Union | 93 | 6.500% | $145,000 | 53.0% |
| PENNYMAC LOAN SERVICES, LLC | 69 | 5.750% | $275,000 | 11.4% |
| First-Citizens Bank & Trust Company | 65 | 6.500% | $115,000 | 22.7% |
| Kiavi Funding, Inc. | 56 | 7.250% | $155,000 | 14.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 46 | 5.750% | $300,000 | 7.5% |
| NEWREZ LLC | 42 | 5.750% | $310,000 | 29.0% |
| S. C. STATE FEDERAL CREDIT UNION | 42 | 4.500% | $95,000 | 19.3% |
| Mortgage Research Center, LLC | 39 | 5.875% | $265,000 | 50.6% |
| GUILD MORTGAGE COMPANY | 28 | 6.000% | $305,000 | 6.7% |
| Bank of America, National Association | 24 | 5.990% | $125,000 | 22.6% |
| Truist Bank | 21 | 6.140% | $155,000 | 39.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 5.870% | $295,000 | 16.0% |
| Navy Federal Credit Union | 17 | 6.125% | $245,000 | 39.3% |
| CMG MORTGAGE, INC. | 16 | 6.438% | $270,000 | 20.0% |
| Assurance Financial Group, L.L.C. | 15 | 7.125% | $265,000 | 0.0% |
| CLEARPATH LENDING | 15 | 5.750% | $265,000 | 21.1% |
| Broker Solutions, Inc. | 14 | 6.250% | $330,000 | 6.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.375% | $295,000 | 17.7% |
| Synovus Bank | 13 | 8.200% | $205,000 | 26.3% |
| First Palmetto Bank | 13 | 6.250% | $365,000 | 13.3% |
| PLANET HOME LENDING, LLC | 12 | 5.750% | $295,000 | 26.3% |
| TD Bank, National Association | 11 | 7.440% | $205,000 | 29.4% |
| ROYAL UNITED MORTGAGE LLC | 11 | 7.375% | $95,000 | 29.4% |
| United Community Bank | 11 | 6.500% | $175,000 | 31.3% |
| NATIONSTAR MORTGAGE LLC | 11 | 5.990% | $185,000 | 26.7% |
| First Community Bank | 11 | 6.800% | $265,000 | 0.0% |
| ALLSOUTH FEDERAL CREDIT UNION | 10 | Not published | $190,000 | 23.1% |
| First Heritage Mortgage, LLC | 10 | 5.750% | $420,000 | 0.0% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| SouthState Bank, National Association | 9 | Under 10 loans | Under 10 loans | 23.1% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 8 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 45.5% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Arthur State Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Alcova Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FOUNDERS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Spero Financial | 3 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 54.6% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Conway National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Capital Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Grow Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barley Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT STRUCTURED FINANCE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AgSouth Farm Credit, ACA | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Archwest Funding | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| ALAMEDA MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| REV FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RESICENTRAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GREENVILLE | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HIGHTECHLENDING INC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 29 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.